Danielle Uy is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, Merrill, and several companies outside finance including Amazon and Macy's. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations in standalone planning.

Steven Krogh is a financial advisor with LPL Financial in Carlsbad, CA, holding the CFP® designation and Series 63 license, with 40 years of industry experience. He has been associated with LPL Financial since 1986 and founded The Wealth Advisors in 2009, where he continues to provide financial planning and advice. Outside of his advisory work, he has involvement in non-variable insurance and health insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources, including LPL Research and third-party subadvisors.

John Kirlin is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked in business operations outside financial services, including managing a mosquito control company and a restaurant. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Cynthia Velasquez is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at Primerica Advisors since 2017 and has an extended background with Primerica Financial Services dating back to 2009. Outside of advising, she has maintained a long-standing role as a self-employed notary since 2007. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed-fee billing.

Marisa Acosta is a financial advisor at J.P. Morgan Securities with five years of industry experience. She holds a Series 66 designation and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Her background also includes roles outside finance, such as involvement with the National Association of Hispanic Real Estate Professionals and experience with Outpost Summer Camps. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory capabilities with brokerage and investment management services, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Steven King is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 35 years of industry experience. He has been with LPL Financial since 2003. Outside of his advisory role, he operates Cardiff Reef Wealth Management, Inc., a business related to his LPL activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management and providing access to model portfolios and research.

Abigail Valentine is a financial advisor with OSAIC based in Carlsbad, CA, holding a Series 65 credential and one year of industry experience. Her prior work includes roles at GUIDE MY FINANCES and Guided Medicare Solutions. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits through a large network of advisors. The firm offers brokerage and investment advisory services, financial planning, and managed account solutions utilizing firm-provided asset allocation tools and multiple third-party platforms.

Wyatt Wilson is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he held various positions in hospitality and service industries, including roles at Rancho Bernardo Inn and Vineyard Golf Course. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices.

Troy Koepplin is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 13 years before joining LPL Financial. Koepplin is also an enrolled agent providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research.

Michael Bogseth is a CFP® with 19 years of industry experience, currently affiliated with OSAIC. He previously worked at Securities America Advisors and Securities America Inc. for 13 years. Outside of his advisory role, he is co-owner of RightPath Planning Partners, LLC, which focuses on retirement income and technology consulting. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing asset-allocation tools and automated rebalancing to manage diversified portfolios.

Thomas Seidel is a financial advisor at Morgan Stanley based in San Diego, CA, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Kellen Bonnafoux is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in San Diego. He works with high-net-worth families to help preserve and manage significant wealth with clarity and purpose. Kellen focuses on helping clients maintain what they have built, bringing thoughtful structure to their financial lives and supporting long-term planning across generations. Drawing from his background in International Finance and Wealth Management, Kellen takes a measured and steady approach to advising clients through life's financial transitions. His expertise includes corporate executive services, international wealth management, liquidity management, philanthropic planning, small business strategies, and tax minimization. He collaborates closely with clients and their advisory teams to ensure cohesive strategies tailored to long-term priorities. Kellen holds a Personal Investment Advisor (PIA) designation and has earned an Accredited Certificate Program from Semmelweis University Medical School as well as a Master of Arts from the University of Canterbury. Outside of his professional role, his personal interests include camping, reading, swimming, and traveling.

Katharine Downey is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions (SPS) Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Aria Khani is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Fidelity Brokerage Services, BancWest Investment Services, Bank of the West, and Wells Fargo entities. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Stella Hui is a financial advisor at Charles Schwab with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Charles Schwab since 1998, including 21 years at Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by a large integrated platform and extensive operational resources.

Michael Schmitz is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2026, he worked at Yorkshire Wealth Management for one year and has held positions at FedEx Express, Kaiser Permanente, and TechniArt. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Phillip Kaplan is a financial advisor at J.P. Morgan Securities with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Arthur Shooter is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his role at Wells Fargo, he owns Kelley Shooter Financial Services and serves as trustee of the FINET 401K Plan. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm’s approach includes tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Braden Hutten is a financial advisor at Thrivent Investment Management in Del Mar, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Thrivent, he worked at Top Golf and has a background including roles at Arizona State University and FunFlicks. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based analyses across various planning topics and allows clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan.”

John Lohrenz is a financial advisor at LPL Financial with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2009. Outside of his advisory work, he is an author and has been involved in writing a book through The Prosperity Project since 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management supported by internal and third-party research.